Health Insurance 2025: A Smart Investment for a Secure Future

Varahi media.com online news,Mumbai, april 1, 2025: With healthcare costs skyrocketing, depending solely on personal savings for medical emergencies can be financially draining. A sudden health crisis can wipe out years of savings, making health insurance a crucial shield against rising medical expenses. Investing in a health policy is not just about securing yourself; it’s about ensuring financial stability and access to quality healthcare for your family and future generations.

Today’s health insurance goes beyond hospitalization, covering OPD consultations, telemedicine, preventive check-ups, and wellness programs. Many policies now offer maternity benefits, mental health coverage, and rehabilitation therapies, ensuring comprehensive protection. Given the surge in lifestyle diseases such as diabetes, hypertension, heart disease, and cancer, having financial backup is more important than ever. Specialized policies and critical illness riders offer added security, while preventive healthcare measures help in early diagnosis, ultimately reducing medical costs.

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Additionally, health insurance offers significant tax benefits under Section 80D of the Income Tax Act. Premiums paid for medical coverage are tax-deductible, making it a smart financial decision. Individuals under 60 years can claim deductions of up to ₹25,000 per year, while senior citizens enjoy an increased deduction limit of ₹50,000, recognizing their higher medical expenses.

Mr. Subramanyam Brahmajosyula, Chief Product & Marketing Officer, SBI General Insurance, stated, “As we step into the new financial year, taxpayers must carefully evaluate their options while filing their Income Tax Returns (ITR) in 2025. Selecting between the new and old tax regimes depends on income, deductions, and financial objectives. The new tax regime offers lower rates with limited deductions, whereas the old regime allows for various exemptions. One such key deduction is health insurance under Section 80D, where individuals can claim up to ₹25,000 in deductions on their premiums, increasing to ₹50,000 for those covering senior citizen parents. Additionally, preventive health check-ups up to ₹5,000 are included within this deduction.”

SBI General Health Insurance provides flexible, affordable health plans catering to various medical needs. These plans cover hospitalization, OPD consultations, maternity benefits, and critical illnesses, ensuring complete financial protection.

As the new financial year begins, securing health insurance is a crucial step toward financial well-being and stability. SBI General Health Insurance offers reliable and comprehensive coverage for individuals and families. Health insurance is not merely an expense—it’s a long-term investment in your financial security and overall well-being.